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Homeowners insurance provides property coverage that safeguards both your house and belongings, as well as liability costs related to accidents occurring on your property. National General offers several standard policy options and discounts, but has an excessive NAIC complaint index and does not offer telematics programs to provide safe driving discounts. Homeowners Insurance Homeowners insurance […]

Blue Cross and Blue Shield provides individual health plans, family health plans, dental/vision coverage as well as Medicare/ Medicaid solutions. In addition, we also offer long term care and disability solutions. The 34 independent, locally run BCBS companies comprising the Federation are committed to serving you, which explains why so many choose them every year. […]

Health Savings Accounts (HSAs) have seen exponential growth over recent years and can serve as an excellent tool for both managing healthcare costs and long-term financial planning. HSAs are tax-advantaged accounts designed for individuals enrolled in high-deductible health plans (HDHPs). HSAs help you save money for qualified medical expenses like deductibles, copayments and coinsurance premiums. […]

If you plan on leaving your home vacant for an extended period, vacant home insurance should be considered. Without someone living there to monitor things regularly, minor issues could go undetected and cause significant damage. Vacant home policies can be purchased both individually or as an add-on to an existing homeowners insurance policy, and will […]

Whole life insurance provides an assured death benefit regardless of when or if you die, unlike term life policies. Furthermore, its cash value accumulates tax efficiently to facilitate any withdrawals or loans3 made during its life span. Financial professionals can assist in helping to determine if this policy type is the appropriate choice for you. […]

Health insurance premiums are one of the costliest benefits employers offer their employees. In 2021, on average, employers covered 83% of an employee’s self-only premiums and 73% for family coverage. To help employees manage these costs more easily, some employers provide them with a stipend to cover out-of-pocket expenses. Here is how it works:. Premiums […]

Car insurance rates can fluctuate based on a variety of outside influences, including at-fault accidents and making multiple claims. Your location, adding drivers or increasing coverage may also cause your rates to change. One way to reduce car insurance premiums is to raise the deductibles, but make sure it remains an amount you can comfortably […]

Blue Cross or Aetna insurers hold Medicare contracts with each county in which they operate, providing at least one benefit package and often more. These contracts establish plan revenues and profits through risk-adjustment mechanisms. These plans combine your Part A, B and, if applicable, D Medicare coverage into one plan and comply with Medicare rules […]

Cataract surgery is an increasingly common medical procedure that helps improve vision in those suffering from cataracts. Unfortunately, however, cataract surgeries are costly; Medicare beneficiaries frequently incur out-of-pocket expenses for their procedures. At cataract surgery, your surgeon makes small incisions in your eye before using ultrasound waves to break up and suction out cloudy lenses […]

If you want to buy life insurance on someone who is dying, there are a few different strategies you could pursue. But for an impartial viewpoint and proper guidance it is vitally important to speak with an independent fee-only fiduciary financial advisor first. Keep in mind that any attempt at concealing information or lying on […]